AH-514 Policy wording ANSA Student insurance... · Postboks 1588 Vika . 0118 Oslo Norway . Medical assistance. If immediate medical assistance is required, SOS International can be

AH-514 Policy wording

ANSA Student insurance

Policy Number: 104-8595 Valid from: 01.05.2017

AIG Europe Limited | Rosenkrantz’ gate 22 | Postboks 1588 Vika | NO-0118 Oslo | Telefon: + 47 22 00 20 20 | Telefax: + 47 22 00 20 21 | www.aig.no. Org. nr. 998 754 194. Norsk filial av forsikringsselskapet AIG Europe Limited. Registrert i England og Wales under organisasjonsnummer 01486260.

The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom

http://www.aig.no/

AIG | AH-514 ANSA Student Insurance

Page 2 of 25 ANSA Student Insurance of 0105 2016

Contents

Contents ............................................................................................................................................................................................. 1

How to report a claim .......................................................................................................................................................................... 3

Summary coverage ............................................................................................................................................................................. 4

1 GENERAL PROVISION ..................................................................................................................................................................... 5

2 GENERAL DEFINITIONS ................................................................................................................................................................... 5

3 WHO DOES THE INSURANCE COVER ................................................................................................................................................. 6

4 WHERE AND WHEN THE INSURANCE IS VALID ..................................................................................................................................... 6

5 PERSONAL BELONGINGS & LUGGAGE ............................................................................................................................................... 6

6 MEDICAL TRAVEL INSURANCE, ETC .................................................................................................................................................. 9

7 CANCELLATION INSURANCE .......................................................................................................................................................... 13

8 TRAVEL DELAY INSURANCE........................................................................................................................................................... 14

9 ACCIDENT INSURANCE ................................................................................................................................................................. 14

10 PERSONAL LIABILITY INSURANCE .................................................................................................................................................. 17

11 LEGAL EXPENSES INSURANCE ....................................................................................................................................................... 18

12 EVACUATION INSURANCE ............................................................................................................................................................. 19

13 HOME CONTENTS INSURANCE ....................................................................................................................................................... 19

14 GENERAL TERMS AND CONDITIONS (ANSA) ................................................................................................................................... 22

15 INFORMATION CONCERNING FILING CLAIMS ..................................................................................................................................... 24

16 ASSISTANCE WITH COMPLAINTS .................................................................................................................................................... 25



How to report a claim When an event occurs, it should be reported to AIG as soon as possible.

A Claim Form can be found at: www.aig.no

We use the following Claim Form

• Cancellation • Luggage • Sickness/accident • Delay • Accident

You need to send all original medical expenses documentation pr mail (hard copy) to the Company. This includes invoices, doctors certificates etc. To enable us to deal with your claim fast and efficiently, it is important that:

• The claim form is filled in with the exact details • The documentation asked for on the claim form is attached

Remember to keep a copy of what you send to the company.

If you have any questions, please contact us at:

E-mail: [email protected]

Tel. no. +47 22 00 20 80 (24/7) Fax. +47 22 00 20 81

Address: AIG

v/ Skadeavdelingen Postboks 1588 Vika 0118 Oslo Norway

Medical assistance

If immediate medical assistance is required, SOS International can be contacted on:

Tel. No. +45 38 48 92 50 (24/7) From the USA +1 866 208 0045

Please quote your policy number when contacting the company.

Crisis management If you need assistance in connection with kidnapping, hi-jacking or any similar situation, please call the following crisis management centre: 001-817-826-7000 (24 hour service)

Red 24 The insured will be allowed access to national information and alerts if any from red24. Information about different countries can be found on the Internet at: www.red24.com

http://www.aig.no/

mailto:[email protected]

http://www.red24.com/



Summary coverage

This is our standard cover, and any departures from it will be stated in the insurance certificate.

Cover Sum insured per person in NOK

Deductible in NOK Paragraph in Terms & Conditions

Personal belongings & luggage 25.000 500 / 2.000 for computer 5 - Cash 3.000 500 5.3.1 - Travel documents 10.000 500 5.3.2 - Valuables – (per category) 15.000 500 5.3.3 - Bicycles 5.000 500 5.3.3 - Single items 15.000 500 5.3.4 - Cell phones – Supplementary cover 4.000 500 5.3.5 - Bicycles – Supplementary cover 15.000 500 5.3.6 - Theft from motor vehicle 5.000 500 5.3.h) - Delayed luggage holiday/country of study 2.000 / 500 5.4.8 Medical travel insurance 6 - Medical expenses in country of study Unlimited No deductible 6.3.1 - Dental treatment 1.000 No deductible 6.3.1 - Interruption of studies 80.000 No deductible 6.3.3 - Repatriation Unlimited No deductible 6.7 - Companion while sick/Summons abroad Unlimited No deductible 6.8 - Summons Home Unlimited / 10.000 No deductible 6.9 Cancellation insurance 30.000 500 7 Travel delay insurance 5.000 No deductible 8 Accident insurance 9 - Death 50.000 No deductible 9.1 - Permanent medical disablement 500.000 No deductible 9.2.3 - Medical treatment expenses 25.000 500 9.2.4 Personal liability insurance 6.000.000 3.000 10 Legal expenses insurance 80.000 20% - minimum 3.000 11 Evacuation insurance Unlimited No deductible 12 Home contents insurance 100.000 3.000 13



1 GENERAL PROVISION

The Certificate of Insurance, General Terms and Conditions and Norwegian Insurance Contracts Act No. 69 of 16 June 1989 apply in addition to these terms and conditions.

The insurance policy consists of:

• Certificate of Insurance • The Terms and Conditions of Insurance • Norwegian Insurance Contracts Act of 16 June

1989 • Other statutes

The text contained in the Insurance Certificate takes precedence over that contained in the Terms and Conditions of Insurance. The Insurance Certificate and the Terms and Conditions of Insurance take precedence over non-mandatory statutory provisions.

Insurance cover is provided by AIG Europe Limited, Norwegian subsidiary of AIG Europe Limited.

AIG is hereafter referred to as the Company.

1.1 Safety regulations The insurance policy has safety regulations that are intended to prevent or mitigate loss/injury and they must be complied with. The relevant safety regulations are set out for each type of cover. Failure to comply with a safety regulation may result in the reduction or cessation of the Company's liability. Such a reservation cannot be enforced if the insured is only slightly culpable or the insurance event is not due to the failure to comply with the regulations. Even if the company can claim that a safety regulation was not complied with, it can still be held partially liable. The settlement must take account of the nature of the safety regulation that was not complied with, the degree of culpability, the sequence of events, whether the insured was in a state of self-inflicted intoxication and other circumstances see section 4-8 of the Insurance Contracts Act.

1.2 Intent and gross negligence If the insured causes an insurance event with intent, the Company will not be liable. If the insured caused the insurance event or increased the scope of the loss through gross negligence, the company’s liability may be reduced or cease. The settlement must take account of the degree of culpability, the sequence of events, whether the insured was in a state of self-inflicted intoxication, the effect the reduction or cessation of liability would have on the person(s) entitled to claim under the insurance policy or other persons financially dependent on the insured, and other circumstances. The company cannot invoke the rules if the insured or a person who must be equated with the insured pursuant to section 4-11 of the Insurance Contracts Act is unable to understand the full consequences of his actions owing to age or mental state, cf. sections 4-9, 13-8 and 13-9 of the Insurance Contracts Act.

2 GENERAL DEFINITIONS

2.1 Policyholder: The party who enters into an insurance contract with the Company.

2.2 Insured: The party or parties named in the Certificate of Insurance who will be entitled to compensation or the sum insured under the insurance contract.

2.3 Immediate family: Spouse/partner/civil partner, children, grandchildren, great-grandchildren, parents, grandparents, great-grandparents, siblings, brothers/sisters-in-law, parents-in-law and sons/daughters-in-law.

2.4 Partner: A person living with the policyholder as husband and wife at the same address according to the National Population Register.

2.5 Sole travelling companion: A person who is on the same participation document/ticket as the injured party or booked the journey together with the injured party with the intention that they should travel together.

2.6 Checked baggage: Baggage that the insured entrusts to the airline/ferry/train/coach company for transport when the insured is travelling by the same means of transport.

2.7 Valuables: Items that are costly or liable to be stolen, Examples: jewellery, watches, precious stones, photographic/video equipment, mobile phones, computer equipment, furs, art objects.

2.8 Securities: Documents that have a legal financial market value.

2.9 Travelling on business: Travel on an employer's behalf.

2.10 Evacuation: In accordance with the recommendations of the Norwegian authorities or the local authorities on the evacuation of Norwegian/foreign citizens

2.11 Acute illness: This refers to an acute and unforeseen illness or an acute and unforeseen deterioration in a known or chronic illness.

2.12 Known illness: By known illness is meant an illness or condition that the insured knew that he/she suffered from before the date of departure.

2.13 Additional expenses: Additional expenses mean expenses imposed upon the insured in connection with an insurance event /incident that is covered by this insurance. If the



expenses would have been incurred regardless of the occurrence of the event, these expenses will not be regarded as additional expenses, and are therefore not covered.

2.14 Travelling expenses: Reasonable extra expenses for transport, but as a maximum expenses corresponding to price of an economy fare on an ordinary scheduled flight.

2.15 Travelling companion when ill: Person who is already staying with the insured at the destination.

2.16 Tooth damage caused by chewing: Tooth damage caused when eating, caused by chewing an unexpected hard foreign body in food.

2.17 Practical work is defined as unpaid and uncontracted employment in collaboration with a Norwegian university or college which comprises a portion of a student’s studies. Practical work experience is often a requirement in obtaining a degree or designation. Practical work is not excluded as occupation or as a work-related situation.

3 WHO DOES THE INSURANCE COVER

The insurance covers the person who is named in the insurance certificate and who is a member of ANSA, and also a member of the Norwegian National Insurance Scheme and has a student/scholar's card valid for the whole of the policy period. For persons studying in Scandinavia, it is sufficient to be a member of a Scandinavian national insurance scheme.

It is a precondition for health insurance in the country of study under point 4 of the Terms and Conditions that during the student's stay abroad he/she has valid membership of the national insurance scheme (checked with the Norwegian Labour and Welfare Service international) and is entitled to extended benefit for health expenses abroad (apply to Norwegian Health Economics Administration /HELFO), unless otherwise agreed separately and an additional premium has been paid.

When study abroad is concluded, the insurance policy covers up to five weeks after the end of the study period, even if the student loses his/her right to extended benefit for health expenses in the country of study.

4 WHERE AND WHEN THE INSURANCE IS VALID The insurance is valid worldwide, with the duration and Supplementary cover/limitations as stated in the Insurance Policy letter, but limited according to Sanctions.

SANCTIONS Sanctions Exclusion: The Insurer shall not be deemed to provide cover and the Insurer shall not be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose the Insurer, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union or the

United States of America.

Residence Limitation Insured must be a member of the Norwegian National Insurance Scheme. For persons studying in Scandinavia, it is sufficient to be a member of a Scandinavian national insurance scheme.

- During your stay at the place of study.

- For all holiday and leisure travel worldwide lasting up to 60 days counted from the permanent address at the place of study or the home address in Norway in the population register. The duration of the journey is calculated from the day on which the insured leaves his home address in Norway or the place of study, until he returns to the same place. It is a precondition that the insurance must be taken out to cover the entire duration of the journey.

- The policy does not cover treatment given after

coverage has ceased. (However, this does not apply to point 9.1 under accident cover.) This applies regardless of the reason that cover has ceased.

- It is a precondition that the first premium must be

paid before departure from Norway, and at the latest within the time stated in the payment terms. Later renewals must be paid within the time allowed for payment.The insurance can be bought maximum 2 months after departure.

5 PERSONAL BELONGINGS & LUGGAGE

The maximum compensation is NOK 25,000. The normal excess for luggage under this cover is NOK 500.

There is a special deductible of NOK 2,000.- on computer equipment.

5.1 The policy covers while travelling and staying worldwide for up to 60 days, outside the permanent address in the country of study or Norway.

5.2 Safety regulations Safety regulations mean the rules of due care and attention intended to prevent or limit loss and damage. Infringement of safety regulations may lead to a reduction of the Company's liability or cause it to lapse completely. It is a precondition for coverage that the following safety regulations are observed by the insured:

5.2.1 The ensured must keep the items covered by

the policy under supervision. This includes making sure that you take all your property with you on departure.

5.2.2 When the insured items are left, the insured

must lock do ors and see that windows are closed and suitably secured to prevent unauthorised persons from entering motor vehicles, caravans, boats, cabins, apartments, hotel rooms or other temporary accommodation (e.g. a tent).

5.2.3 With regard to money, the insured must either

carry it on or with him or lock it in a fixed safe or



locker in a building or a suitable locked place of safe keeping in a locked room in

a building. The key must not be accessible to unauthorized person.

5.2.4 With regard to items mentioned in point 5.3

which are not in use, the insured must keep them responsibly locked up. The key must not be accessible to unauthorised persons. If a locked storage space is not available, the insured must carry the items with him. If items of this type are kept in a motor vehicle or caravan, they must be placed in a locked glove compartment or a locked boot/roof box, which it must not be possible to see into.

5.2.5 The insured items must not be left in a

vehicle/caravan/boat/tent overnight or a vehicle/caravan/boat/tent that will be left for more than 24 hours. Night is defined as the period between leaving the place of storage during the day and using it again the next day, and at all events the period between midnight and 6 am.

5.2.6 The insured must see to it that the insured items

are adequately and appropriately packed and secured to withstand the type of handling and transport in question. Bottles, glass and other fragile and perishable goods cannot be sent as checked luggage.

5.2.7 The insured must observe the transporter's

regulations with regard to content, packing and labelling.

5.2.8. The insured must not send money, jewellery,

wristwatches, spectacles or sunglasses, precious stones, precious metals, cameras, video and DVD equipment, sound playing equipment, electronic devices, fragile items or perishable goods packed in checked luggage.

5.3 What the insurance includes: Luggage means items of property which the insured carries for personal use during local transport, staying overnight, travel, and staying away from the permanent address in the land of study. The policy is also valid within the place of study (school/campus) and when travelling away from the permanent address in Norway. If the insured travels together with the means of transport, checked luggage is also covered. This does not apply if the separation is only due to the transporter's disposition.

5.3.1 Compensation for money will be paid up to NOK

3,000 per insurance event. Compensation for CDs and DVDs will be paid up to NOK 2,500 per insurance event.

5.3.2 Expenses arising from the loss of tickets,

(travel documents) and passports will be reimbursed up to NOK 10,000 if the loss cannot be made good in other ways.

5.3.3 For loss of or damage to the following items

compensation will be paid up to NOK 15,000 per group (point under each letter) below per insurance event.

a) Antiques, art objects, carpets b) Furs c) Musical instruments d) Weapons and sports equipment (including fishing/

skiing/snowboarding/ golf and diving equipment) Driving equipment for motor vehicles, such as for instance driving suits, helmets, gloves and boots, see point. 5.5.1.

e) Jewellery, watch, pearls, precious stones, precious metals

f) Photo graphic /video/ and optical equipment, radio/TV, sound playing equipment, DVD/CD records, laptop/computer equipment, e-book reader

g) For loss of or damage to a bicycle, compensation will be paid up to NOK 5,000 per insurance event.

h) Compensation is limited to NOK 5,000 per insurance event for theft from a motor vehicle, tent or bathing beach.

If the supplementary covers is purchased:

i) Mobile, telephone or smartphone j) Supplementary cover for bicycle

Prerequisite for supplementary cover are losses and damages described in point 5.4.

5.3.4 For individual items not mentioned in point 5.3.3 compensation up to NOK 15,000 will be paid per insurance event.

5.3.5 A maximum compensation of NOK 4,000 per

insurance event will be paid for a mobile telephone or smart phone.

5.3.6 For loss of or damage to a bicycle,

compensation will be paid up to NOK 15,000 per insurance event.

5.4 What is paid for the following losses or damage:

5.4.1 Theft of luggage. Theft means the removal

of property that the insured has in his/her possession, see sections 321 and 322 of the Norwegian General Civil Penal Code. Property being mislaid/lost and subsequently kept by the finder is not considered theft.

5.4.2 Robbery, see sections 327 and 328 of the General

Civil Penal Code.

5.4.3 Criminal damage, cf. sections 351 and 352 of the General Civil Penal Code, when this occurs in connection with theft, robbery or burglary.

5.4.4 Loss or damage due to natural disasters. Loss

or damage due to natural disasters means damage that is the direct result of natural disasters such as landslides storm surges, gales, floods, earthquakes or volcanic eruptions.



5.4.5 Traffic accident with a motor vehicle, boat, caravan or pedal cycle. Traffic accident means collision, running downhill on a public road, and loss due to grounding or capsizing.

5.4.6 Fire, soot damage, direct lightning strike,

explosion and penetration of a building by water or liquid. Fire means a fire that is out of control.

5.4.7 Loss or damage to personal luggage sent as

checked luggage.

5.4.8 Delayed luggage. When checked baggage arrives at the destination at least 4 hours late and the delay is confirmed by the carrier (Property Irregularity Report/PIR) necessary and documented additional expenses for clothes and toiletries purchased while the luggage was missing will be refunded. On arrival at a holiday destination and first arrival at the place of study, compensation of NOK 2,000 will be paid. On a return or homeward journey to Norway, or arrival at the place of study later than the first time, compensation of NOK 500 will be paid.

5.5 Exceptions The policy does not cover:

5.5.1 Motor vehicles and caravans with

accessories. Accessories mean spare parts and permanently fitted equipment such as music systems, GPS, ski boxes and roof boxes. Meanwhile, driving equipment such as driving suits, helmets, gloves and boots are considered to be accessories when in use or kept together with the vehicle.

5.5.2 Boats, sailboards and surfboards with

accessories.

5.5.3 Parachutes, kites, hang gliders/paragliders with accessories.

5.5.4 Furniture and removal goods.

5.5.5 Goods and samples, tools and

measuring instruments.

5.5.6 Drawings, manuscripts, documents, travellers' cheques and securities of all kinds.

5.5.7 Collections

Collections means items or articles of interest to collectors, such as art work, hand-made carpets, weapons, and collections of coins, bank notes or stamps.

5.5.8 Animals

5.5.9 Damage due to normal use of the item.

5.5.10 Minor damage to cases, rucksacks, pushchairs and bicycles, such as scratches, scraped corners or marks.

5.5.11 Checked push-chairs and bicycles

5.5.12 Damage in transit to checked in cases, bags

and rucksacks.

5.5.13 Consequential damage, e.g. after damage to fragile objects or perishable goods, liquids running out in transit.

5.5.14 Financial loss other than the loss of or damage to

the insured items, or loss in direct consequence of lost or damaged goods.

5.5.15 Foodstuffs and stimulants.

5.6 Settlement of claim and calculation of compensation

Section 6-1 of the Insurance Contracts Act (FAL) does not apply.

5.6.1 The insured must give the Company the

information and documents available to the insured and required by the Company as soon as possible, e.g. original receipts and guarantee certificates, to enable the Company to calculate its liability and pay compensation. Theft, robbery, assault, bag snatching and criminal damage must also be reported to the police. Loss or damage in transit must be reported to the carrier immediately in accordance with the rules for the carrier in question. If loss or damage has occurred, the burden of proof that an insurance event has occurred lies with the insured. Written confirmation that the loss or damage was reported at the place where it occurred is important documentation when making a claim for compensation after an insurance event.

The right to compensation may cease if the claim is not made to the Company within a year after the insured became aware of the basis for the claim for compensation.

5.6.2 Damaged objects must be preserved, and sent

to the Company on request.

5.6.3 If loss or damage has occurred (including the Company's right of recourse) because the insured has deliberately or through gross negligence failed to fulfil his obligations, the Company's liability may be reduced or cease. The settlement must take account of the degree of culpability, the sequence of events and other circumstances cf. Section 4-10 of the Insurance Contracts Act (FAL).

5.6.4 Compensation will be paid for loss or damage

up to the stated insurance sum, but never above the insurable value. The insurable value is set at what it would cost, including duties, to buy an equivalent object for the same purpose. Deductions will be made for depreciation in value due to age, use and impaired utility. Calculation of depreciation will take account of the probable useful life of the item. For digital



or video cameras, portable computer equipment and e-book readers a deduction for age will be made at a rate of 25% per year or part of a year after the date of purchase or acquisition.

5.6.5 Compensation paid for lost or damaged

luggage or expenses in connection with these will never exceed the insured's actual financial loss. Thus losses refunded by others will not be covered. If more than one insurance policy has been taken out and covers the damage, the Company must be informed, and the Company's total liability may not exceed the actual loss. If it is possible to claim compensation for the loss from others, the Company is subrogated to the insured's claim for that part of the loss by the insured which was paid out under the policy.

5.6.6 Compensation for items that are bought used or

received as an inheritance or gift will be paid at the market value.

5.6.7 The Company has entered into favourable

agreements with various suppliers of goods and services, to be used in cases of settlements of claims. Compensation is fixed at the cost to the Company

a) of repairing or remedying the damage or b) replacement with an equivalent or essentially

equivalent item according to the price at the time of the damage.

The Company will decide which of these alternatives will be used and which repairman or supplier will be chosen. The Company will assess for each insurance event whether the insured can be given compensation in cash. Cash compensation will be equal to the sum the Company would have paid for repair or replacement.

5.6.8 If lost items turn up, the insured must inform

the Company immediately.

If missing objects turn up after compensation has been paid out, the insured is entitled to keep the objects if he pays the compensation back. The insured must inform the Company in writing and repay the compensation within 14 days after the object has turned up. Otherwise the objects will be the property of the Company.

5.6.9 The Company is entitled to check the information

provided by the insured by contacting retailers, etc.

5.6.10 The Company is not obliged to pay

compensation until the necessary investigations are complete.

5.6.11 If the insured's entitlement to compensation

ceases wholly or in part as a result of actions committed or omitted by the insured, this will also

have the same effect if equivalent actions or omissions are committed by the insured's spouse or persons with whom the insured lives in an established relationship, cf. Section 4-11 of the Insurance Contracts Act (FAL).

6 MEDICAL TRAVEL INSURANCE, ETC.

6.1 What the policy covers and what limits

apply

The health insurance is divided between health insurance in the country of study (point 6.3) and travelling health insurance on journeys outside the country of study (6.4).

The policy covers expenses incurred in connection with events that arise in the period of insurance, including expenses of necessary and normal medical treatment, and which are due to acute illness, serious accidents and unexpected acute deterioration of known illness or a chronic condition.

6.2 Safety regulations If the insured is receiving medical treatment for an illness or medical condition, a certificate from the insured’s doctor to the effect that it is reasonable to make the journey and there is little likelihood of complications occurring/the medical condition deteriorating must be submitted.

6.2.1 In the event of illness or injury, the insured must consult a doctor, go for regular medical treatment and follow doctor's orders.

6.2.2 You must contact the AIG alarm centre:

- In the event of a stay in hospital or confinement to bed that is expected to last more than three days.

- For approval of additional expenses for transport and medical assistance in transit.

- For approval of additional expenses for board and lodging.

- For approval of unscheduled return home.

6.3 Medical expenses in country of study Maximum compensation: Unlimited

It is a precondition for health insurance under point 6 of the Terms and Conditions that during the student's stay abroad he/she has mandatory or voluntary membership of the national insurance scheme and is entitled to extended benefit for health expenses abroad (unless otherwise agreed separately and an additional premium paid). See www.helfo.no for further information.

It is assumed that the insured's place of study is within the geographical area defined in the policy. Cover applies in the country of study until five weeks after the end of the study period, but within the insurance period, however. It is possible to opt out of this cover in the main policy, and the decision to opt out will be shown on the insurance certificate.

http://www.helfo.no/

http://www.helfo.no/



6.3.1 The policy covers the expenses of:

a. Treatment by a doctor, admission to hospital and the costs of treatment at a hospital as ordered by a doctor.

b. Medical stress counselling, dressings and medicine prescribed by a doctor on the spot.

c. Treatment by a publicly registered physiotherapist, chiropractor or other therapist who is not a doctor, when the treatment is prescribed by a doctor.

d. Transport by ambulance from the place where illness/or accident struck to the place of treatment (including air ambulance), and transport, if no treatment is available, to the nearest suitable treatment centre. This last benefit is subject to approval from the AIG alarm centre.

e. Treatment of mental conditions is covered for up to 20 hours of treatment by a psychologist per year of insurance cover. It is a requirement that the type and extent of treatment must be approved by AIG's medical officer before treatment commences.

f. Necessary and documented transport of the insured by taxi to and from the place of treatment is covered up to a maximum of NOK 1,000. Necessary and documented costs of telephone calls in connection with admission to hospital will also be covered up to NOK 1,000 per insurance event.

g. Dental expenses: In cases of tooth damage caused by accident or acute dental sickness or tooth damage caused when eating, where treatment cannot be postponed, compensation will be paid up to NOK 1,000 per insurance event.

6.3.2 Additional costs due to change of travel plans Necessary and documented additional costs for travel, meals and accommodation up to 30 days when the insured has to postpone the planned journey home or is unable to continue the journey as planned for medical reasons and on doctor's orders. Additional costs will not be compensated for when the insured has travelled home to his/her permanent address at the place of study or in Norway.

6.3.3 Interruption of studies The policy provides cover at the place of study throughout the insurance period for expenses as set out below up to NOK 80,000. For all claims under this cover there is an excess of NOK 500.

a. When the insured has to interrupt his/her studies because of his/her own sudden and unexpected illness or accident, and own payments of school fees are not refunded by the school, compensation up to NOK 80,000 will be paid for the lost school fees. It is a requirement that a doctor's certificate be presented, and a confirmation from the place of study that studies have been interrupted. Serious illness in this connection means serious from a medical point of view, and the gravity must not be related to the type of study or the study situation. School fees mean a charge paid

to the educational institution for tuition and registration for examinations. Compensation will be paid proportionally in relation to planned study time within the insurance period, and the remainder of the study time paid for must be more than one month. The compensation is an alternative to possible refunds /or conversions from the Norwegian State Educational Loan Fund for illness during study, so that the policy covers residual losses if any.

b. In cases of sudden and serious mental illness,

in this connection cover only applies to psychoses and serious depression requiring admission to hospital or therapeutic treatment prescribed by a doctor.

6.4 Health insurance outside the country of study Maximum compensation: unlimited

6.4.1 The insurance covers under the same terms

and conditions as in point 6.3 for travel and staying outside the country of study, worldwide, for up to 60 days.

In addition to the terms set out in point 6.3, the following applies:

6.4.2 Compensation for spoilt days of holiday. The

maximum compensation is NOK 20,000, with a maximum of NOK 1,000 per day. The policy covers the insured's own losses. The policy covers financial compensation to the insured in the form of the price of the journey per day for spoilt days of holiday – minimum NOK 250 per day.

a. Spoilt days of holiday mean days included in one of the situations described below:

- the insured or the sole travel companion with the insured is summoned home in accordance with point 6.9.

- the insured or the sole travel companion with the insured is admitted to hospital or transported home in accordance with point 4.

- the insured or the sole travel companion with the insured is ordered to remain in bed or to remain indoors by the treating doctor.

b. Financial compensation for spoilt days of holiday will be paid at the earliest from the day after one of the situations in point 6.4.2 a. arises. Coverage is provided only provided for the exclusive number of days that the situation lasts.

c. For holidays in the insured's own car, compensation of NOK 2.50/km will be paid, calculated for the shortest route from the starting point for the journey to the point where it was interrupted, and back. Compensation will not be paid for the day spent travelling home.

d. Cover is only provided for journeys of up to 60 days' duration, and never beyond the insurance period.



6.5 Exceptions The coverage in points 6.3 and 6.4 does not include expenses due to:

6.5.1 Treatment or periods spent in Norway.

6.5.2 Treatment or staying on after the time when the

insured fails to allow himself/herself to be transported home, after AIG's medical officer has decided that he/she should be transported home.

6.5.3 Treatment or stay in cases where AIG's medical

officer has decided that treatment can wait until after the return to Norway.

6.5.4 Expenses incurred because the insured did not

follow the orders of the treating doctor and/or AIG's medical officer.

6.5.5 Treatment of chronic or previously known

illness or conditions, including medicine, if the insured:

a. Has not consulted a doctor, has refused or abandoned treatment of the illness, even though the insured should know or assume that the illness required treatment or had deteriorated essentially.

b. Has started treatment against the advice of the doctor or has been denied treatment.

c. Is registered for, referred for or on the waiting list for assessment/treatment.

d. Has failed to attend check-up appointments. e. Travels against the doctor's advice.

6.5.6 Check-ups and treatment, including medicine,

to keep a chronic or known illness or condition stable and well regulated.

6.5.7 A need for treatment that was known before

departure.

6.5.8 Pregnancy, including illness or pathological conditions due to pregnancy. Serious and acute complications before the 36th week of pregnancy are included.

6.5.9 Glasses, contact lenses, hearing aids,

dentures or other prostheses.

6.5.10 Rest cures or stays at health resorts.

6.5.11 Stays and treatment at private clinics in Scandinavian countries.

6.5.12 Plastic surgery and cosmetic operations,

treatment of sequelae or complications in connection with them, unless caused by an injury that required hospital treatment 24 hours after the injury occurred.

6.5.13 Medical treatment that is not approved by the

national health authorities and alternative treatment (including natural remedies, homeopathy, kinesiology and the like).

6.5.14 Financial losses other than those mentioned

in points 6.3 and 6.4.

6.6 Settlement of claim and calculation of compensation

6.6.1 Liability for compensation for one and the same

illness or accident claim which requires continual treatment is limited to the first 30 days after the first visit to a doctor. If transport is not medically acceptable, this time limit may be waived.

6.6.2 For travel in the Nordic countries, compensation

will not be paid for expenses covered by the Nordic National Insurance Convention or the Norwegian National Insurance Scheme.

6.6.3 Where the Company has taken over the

obligations of the Norwegian National Insurance Scheme in accordance with the rules on rights to benefit for medical treatment abroad, the Company is subrogated to the insured's rights to a refund for the sum paid out under the insurance policy.

6.7 Repatriation 6.7.1 What the policy covers:

6.7.1.1 When the insured is ill or injured, special

transport to a place where necessary and qualified treatment can be given or to the place of residence in Norway when adequate treatment cannot be given where the insured is located. Transport during illness must be approved in advance by AIG's medical officer.

6.7.1.2 Return journey if possible to the place of study

after compensated transport home to the place of residence in Norway. It is assumed that the return journey must take place before the expiry of the insurance period, and any return journey must be approved by the AIG medical officer.

6.7.1.3 The expenses of an accompanying doctor or

nurse if this is considered necessary by AIG's medical officer.

6.7.1.4 Reasonable and documented expenses of a

taxi or ambulance ordered by a doctor to transport the insured to his/her address in Norway. This cover applies on discharge after the Company has transported the Insured home to a hospital in Norway.

6.7.2 In the case of death, the expenses of transporting the deceased to Norway will be covered, including payment for any legal requirements to such transport.



6.7.3 Exceptions The policy does not cover the expenses of transport home if:

6.7.3.1 AIG's medical officer has decided that

treatment can wait until the planned return to Norway.

6.7.3.2 Transport home is not approved by the Company.

6.7.3.3 The insured has arranged transport home

Himself/herself, and expenses were imposed on the Company which would not have been incurred if the Company had arranged the transport home.

6.7.3.4 The insured is transported home because of fear

of the risk of infection.

6.7.3.5 The insured did not follow the orders of the treating doctor and/or AIG's medical officer.

6.7.3.6 Transport home is due to chronic conditions or

conditions known before travelling, unless there is an unexpected acute deterioration. Deterioration in very serious illness in the terminal stages that was diagnosed before departure will not be covered in any circumstances.

6.7.3.7 Transport home is due to a need for treatment

that was known before departure.

6.7.3.8 Home transport is due to pregnancy, giving birth or a planned abortion, including illness or pathological conditions due to pregnancy. Serious and acute complications before the 36th week of pregnancy are included.

6.8 Companion while sick/Summons abroad

6.8.1 The policy covers reasonable and necessary

expenses of travelling and accommodation for up to two close relatives resident in Scandinavia, who have been summoned because the insured is seriously ill or injured (serious forms of cancer, cerebrovascular accident, cardiovascular disease and the like, and life-threatening injury) or death abroad.

6.8.2 Alternatively, the policy covers reasonable and

necessary expenses for up to two people to stay at the destination as companions while the insured is seriously ill or injured.

6.8.3 Advance approval must be obtained from

the Company.

6.8.4 Extent of cover

6.8.4.1 The policy covers the necessary and reasonable expenses of the person summoned or the companion for:

a) Transport – maximum an economy class fare, although not air ambulance, in cases where the insured must be transported to a suitable

place for treatment or transported home. The policy does not provide cover if the insured has to be transported home within three days after the companion's departure from Norway.

b) Accommodation at a hospital or hotel. c) Documented expenses for food and local

transport. d) Renewal of the present insurance policy or

talking out an AIG policy of the same type as the one held by the insured for the duration of the summons or accompaniment while ill.

6.8.4.2 Travel to the home address or to rejoin the

fixed travel itinerary – maximum by economy class – when accompanying the sick person is ended, either when the sick person is discharged from hospital at the place where they are staying or on arrival at home or in hospital in Norway.

6.8.4.3 The time of stay for the companion while ill can

never exceed the duration of the illness.

6.9 Summons home

6.9.1 Maximum coverage unlimited; however the sum of coverage for grandparents is NOK 10,000 per insurance event.

The policy covers reasonable and necessary extra travelling costs – at maximum economy class – for the insured if:

6.9.2 The insured is summoned to a funeral as a

result of an unexpected death or admission to hospital of a life-threatening nature as a result of a serious accident or acute serious illness (serious forms of cancer, cerebrovascular accident, cardiovascular disease and the like, and life-threatening injuries) suffered by one of the following persons or groups of persons resident in Scandinavia: spouse or partner, child, grandchild, parent, grandparent or sibling. If the insured is married or has a common child with a partner, brothers/sisters in law and parents in law will also be covered. The policy does not cover admission to hospital (or referral for admission to hospital) before departure or serious illness in the terminal stages when the illness was diagnosed before departure.

6.9.3 The policy covers one summons home per

insurance event (accident/illness/confinement to bed/death).

Return travel to the place of study is covered under the assumption that it takes place within the insurance period.



7 CANCELLATION INSURANCE

7.1 Maximum compensation: NOK 30 000. Deductible: NOK 500.00.

7.2 Safety regulation In the event of illness or injury that prevents the journey from being undertaken as planned, the insured must cancel with the tour operator/carrier/lessor without delay. Cf. also section 4-10 of the Insurance Contracts Act (FAL) concerning the insured's obligation to avert or minimise the loss.

7.3 Where the policy is effective The policy applies for all travel between the place of study and Norway including holidays/leisure travel according to the trip duration specified in the policy that:

- has been paid for prior to departure - starts from the home address at the place of

study or the home address in Norway

Upon the first departure from Norway, it is a precondition that the insurance has been subscribed to and paid at least 14 days prior to departure. The cover will enter into effect from the subscription date until the point in time the insured leaves their home in order to begin the outbound trip from Norway.

For all other travel, the cover will enter into effect when the insured pays the tour operator for the trip and will be in effect until the insured travels.

7.4 What the policy includes

7.4.1 The policy covers cancellation costs that are

imposed on the insured with respect to provisions established by:

- the carrier - the tour operator - hotel

What is meant by cancellation costs are amounts paid in for travel and stays that the insured is not refunded upon cancelling prior to departure. Taxes and governmental fees are not encompassed by the policy. The policy only covers costs associated with the travel to the place of study/destination country. Most student tickets can be refunded by the tour operator for a fee. In such case, compensation is only paid for the fee.

7.4.2 The period of insurance runs from when the

journey/accommodation is paid for in full or in part until the planned departure. It is a precondition that the policy is in effect before the first payment is made. What the Company pays compensation for and the specific limitations that apply

7.4.3 The policy covers cancellation costs where travel cannot be carried out due to:

- acute and serious illness or accidental injury that require hospital admittance, confinement to bed ordered by a doctor or the equivalent.

- death

Compensation under this point will occur when conditions mentioned in point 7.4.1 arise during the period of insurance and effect:

- the insured or the insured's immediate family

domiciled in the Nordic countries. What is meant be immediate family are a spouse/ domestic partner, siblings, children and grandchildren, biological parents and grandparents. If the insured is married or has a common child with a partner, then brothers/sisters-in-law and parents- in-law will also be covered.

- the insured's sole travelling companion. What is meant by travelling companion is the person who is listed on the same travel documentation/ticket as the insured, or who has ordered the trip together with the insured because the trip was to be taken together.

7.4.4 The policy also covers:

- fire or burglary in the insured's private residence or business immediately before departure, which requires the insured to be present. A police report must be available.

- If the insured due to medical reasons is not in a condition to receive a vaccine that is suddenly and without prior notice introduced as a requirement for entry to the country that the insured is to travel to.

7.4.5 If the insured has received a refund for the

price of the trip directly from the tour operator, compensation will only be paid for the tour operator's cancellation fee.

7.5 What the Company does not reimburse The policy does not cover cancellations that are due to:

- acute deterioration of chronic illnesses where deterioration is deemed to be expected during the period of insurance

- illnesses that do not require treatment by a doctor - hospital stays/tests/examinations/

treatment that takes longer than planned - planned examinations/treatment/operations/

recuperation/stays at health resorts that are moved forward/ postponed

- pregnancy or voluntary termination of pregnancy and illnesses or pathological conditions related to such. Cancellation due to serious, unexpected complications that arise before the 36th week of pregnancy are nevertheless covered

- the purpose of the trip no longer being applicable - changed conditions at the destination - fear of flying or fear of war, terror or

illness.



7.6 Action to be taken by insured in case of an insurance event

7.6.1 In the case of an insurance event, the insured

shall without undue delay notify the Company and travel bureau/tour operator/carrier/hotel where the travel/accommodation has been purchased.

If the Company is subjected to losses, including the loss of recourse, in consequence of the insured having intentionally or by gross negligence not addressed its obligations, the Company's liability may be reduced or cease to apply. In determining this, an emphasis shall be placed on the degree of culpability, the sequence of events and other circumstances cf. Section 4-10 of the Insurance Contracts Act (FAL).

7.6.2 The insured is obligated to give the Company

the information and submit such documents as are available, and which the Company needs in order to calculate its liability and disburse compensation. The following must be submitted for a claim for compensation:

- the original travel document/ticket/lease and confirmation that the journey/accommodation has been paid for or a credit note showing the cancellation costs

- doctor's statement that confirms that the insured visited a doctor prior to the commencement of the trip and that the cancellation is due to acute illness/accidental injury arising during the period of insurance

- accident report/assessor’s report/police report confirming that the cancellation is due to fire or burglary.

7.6.3 Claims for reimbursement of cancellation

costs may never exceed the insured's actual economic loss. Costs that are refunded by others will thus not be covered.

7.6.4 If there are multiple policies that cover the

cancellation, the Company shall be notified and the total liability of the companies may not exceed the insured's actual economic loss.

If it is possible to claim compensation for the cancellation costs from others, the Company is subrogated to the insured's claim for that part of the loss by the insured which was paid out under the policy.

8 TRAVEL DELAY INSURANCE

8.1 If a delay of at least 2 hours caused the insured to arrive too late for prepaid transport, the Company will pay compensation for necessary and documented additional costs for catching up on a set itinerary.

The precondition for the Company's liability to pay compensation is that the delay be due to weather conditions or mechanical/technical problems that causes delay to a public means of transport, or collision/accident involving the insured that requires vehicle recovery service when the Insured uses his/her own car.

The delay must arise after the trip has commenced. The delay and its cause shall be documented by the tour operator/ carrier.

Maximum compensation: NOK 5,000

9 ACCIDENT INSURANCE

The policy covers accidental injury suffered by the insured when acting in a non-work related capacity during the period of insurance. What is meant by accident is physical damage to the body caused by a sudden external physical event, an accident, which occurs during the trip in the period of insurance. An insurance event is deemed to have occurred at the point in time of the accident, even if the consequential losses have not been clarified at this point in time. The accident coverage also applies to students who are in practical work abroad in collaboration with a Norwegian college or university. See exception in section 9.3.4.

9.1 Maximum amount Total maximum compensation:

a) For 100 % medical disablement NOK 500,000

b) Death NOK 50,000 c) Treatment expenses in consequence of accident

NOK 25,000. For any losses under this point, a deductible shall apply of NOK 500.

9.2 The specific losses the Company is liable for and the specific limitations that apply Compensation is paid for the following losses:

- Death - Permanent medical disablement - Medical treatment expenses

9.2.1 If the accident has arisen in connection with

performing one of the following activities, the coverage amounts given in point 9.1 will be halved: All professional sports activities (including activities in connection with athletic scholarships), diving deeper than 40 m, expeditions, private flying (all flying where no ticket is paid for with scheduled or charter places), parachuting (excluding tandem jumps with an instructor), and form of speed racing with motor vehicles.

Death 9.2.2 When an accident that is encompassed by the

insurance leads to the death of the insured within one year, the sum for a death will be disbursed as is specified in the Certificate of Insurance, with the deduction of any possible previously disbursed disablement benefits.

If the insured dies of another cause within one year of the accidental injury occurring, neither death nor disablement benefit will be paid.



Permanent medical disablement 9.2.3 The insured has a claim for disablement

benefits if an accidental injury has caused medical disablement that is presumed to be permanent. For 100% disablement, the entire insurance sum will be paid and for partial disablement a proportionately smaller part of it. It is a precondition for coverage that the insured is alive at the point in time the compensation is disbursed.

Permanent medical disablement is established on the basis of a table issued by the Norwegian Ministry of Health and Social Affairs in its Regulations of 21 April 1997, parts II and III, but not the National Insurance Scheme's other codes of regulations. The assessment must be purely tabular.

For accidents that are not specified in the table, the degree of disability is established on the basis of an estimated comparison with the accidental injuries in the table. For disablement of the limbs and organs that are mentioned, the table's rates form under any circumstances the limit for the Company's liability to pay compensation. For composite injuries to the individual organ or limb, the total loss of functional ability will be assessed against the rate that applies for complete loss of functional ability in the individual limb.

The degree of disablement for the loss of multiple limbs or organs may not collectively exceed 100 %. Loss of or injury to a limb or organ that was completely useless before the accidental injury occurred will not entitle the insured to compensation. If a limb or organ was previously partially lost or useless, a corresponding deduction will be made. When a pathological condition or proclivity contributes to the disability that arises after the injury being higher than what is dictated by the injury alone, the same distribution rule applies as in the section above. Dental damage and injuries that have a disfiguring affect do not give any right to disablement benefits.

Compensation for disablement is incurred at the earliest when one year has passed after the insurance event occurred. If it is obvious at an earlier point in time that the Company in any event will have to pay a part of the amount being claimed, then a corresponding advance will be disbursed. If any of the parties are of the opinion that the medical degree of disablement could change, a request can be made for final settlement to be postponed up to a maximum of 3 years after the insurance event occurred.

Medical treatment expenses 9.2.4 If the accidental injury involves necessary

expenses for treatment in Norway within 2 years from the date of the injury, compensation will be paid for expenses of up to NOK 25,000 for:

- Doctor and dentist Dental damage that is a direct

consequence of an accident will be covered only to the extent the treatment is not covered in

another manner. It is a precondition for coverage of dental damage that the treatment be approved in advance by the Company, and that it be commenced as soon as possible after the accident. Tooth damage caused when eating is excepted.

- Dressings and medicine prescribed by a doctor or dentist.

- Artificial limbs. - Treatment and stays in public hospitals and

physiotherapy/treatment by a chiropractor when the treatment is prescribed by a doctor

9.2.5 Compensation is not paid for expenses for stays

in hotels, convalescence homes or the like. The policy does not cover additional expenses for stays or treatments in private hospitals or by doctors in private practice - without public operating subsidies.

9.2.6 The insured must submit a justified statement of the expenses with original vouchers for which compensation is being claimed and is only entitled to compensation for the amount by which the expenses exceed what can be claimed elsewhere.

9.3 Specific injuries the Company does not cover

9.3.1 Mental injury, for example shock, is not

considered to be an accidental injury unless bodily damage has occurred at the same time that involves permanent and compensable medical disablement.

Intentionality 9.3.2 If the insured has intentionally caused the

insurance event, the Company is not liable. The Company is however liable for the injury if it is due to acute mental derangement by the insured due to age or mental condition not being able to understand the full consequences of their actions, namely the actual bodily harm.

The Company is not liable for suicide or attempted suicide owing to mental illness.

The party filing the claim has the burden of proof for the suicide or attempted suicide being due to acute mental derangement by the insured due to age or mental condition not being able to understand the full consequences of their actions - and not mental illness, cf. first and second sections above.

Fights and criminal acts The policy does not cover injuries due to voluntary participation in fights or criminal acts.

Work-related situations 9.3.3 a) Occupation and work-related situations

The insurance does not cover accidental injuries that occur in a situation related to work or occupation.



9.3.4 The insurance does not cover accidental injury that occurs in connection with practical work in high-risk occupations.

Occupations with increased risk include but are not limited to the following:

- Military - Firefighter - Police and prison services - All offshore operations - Fishing - Serving in the military operating vehicles

(including marines and air force) - All activities related to manufacturing, storage, use and transport of explosives - Stunt activities

9.3.8 The insurance does not provide cover for injuries that are due to illnesses, apoplexy, fainting or other pathological conditions. Injuries due to other illnesses or pathological conditions. The insurance does not provide cover for the following illnesses or pathological conditions, even if an accidental injury can be

demonstrated to be the cause: Myocardial infarction, cardiovascular diseases, neurosis, rheumatic illnesses, back injuries or wear changes in the spinal column - including spondylosis, spondylarthrosis, facet joint osteoarthritis and osteochondrosis - as well as spondylosis, spondylisthesis.

9.3.9 Injuries arising from an infection or contagion or

stings or bites, for example insect bites, all forms of hepatitis and illnesses caused by HIV infection. The company will only compensate for other infections if it may be regarded as certain that the cause is wound infection that occurred with the accidental injury and that another source of infection may be regarded as ruled out.

In other cases the compensation will be reduced if it can be assumed that a pathological condition or predisposition contributed to the insured's death or disablement. The compensation will be reduced in proportion to the significance of the pathological condition or predisposition in the death or disablement.

Cancer, light and temperature 9.3.10 The policy does not cover cancer or injuries due

to light or temperature

Air travel

For students that works or have practical work within a high-risk occupation, the insurance will only apply in leisure time.

Poisoning 9.3.11 The insurance does not provide cover for

accidental injury due to poisoning by food, drink or intoxicants.

9.3.5 For accidents occurring in connection with air travel compensation is only paid for accidents that affect the insured as a passenger on an aircraft with a nationality designation.

Drowning 9.3.6 The insurance does not provide cover for

accidental injury due to drowning, unless the party filing the claim can establish that it is overwhelmingly probable that drowning is not due to illness, pathological condition, or conditions that the Company pursuant to the terms and conditions is not otherwise liable for. Medical treatment/use of medicaments

9.3.7 The insurance does not cover accidental injury

caused by medical examination, treatment, etc. or the ingestion of medicaments, unless the insured has been treated due to an accidental injury that the Company is liable for. In no case does the policy cover accidental injury caused directly or indirectly by the ingestion of sleeping, analgesic or narcotic substances. Limitations for illnesses and other special conditions.

Actions performed to avert the injury 9.3.12 None of the exceptions that are mentioned

above apply if the accidental injury is due to an action that was intended to prevent damage to a person or property, and the action pursuant to the existing conditions must be deemed to be justifiable.

9.4 Settlement of claim and calculation of

compensation

Rules in common 9.4.1 The Company shall be notified of a death as

soon as possible. Notification of loss/claims must also be sent to the Company as soon as possible.

9.4.2 The insured and the Company have a right to

procure opinions from doctors and specialists that are of significance to the setting of the basis for the calculation of compensation.

9.4.3 If it can be assumed that the condition would

be improved by surgery or other treatment and the insured refuses to submit to such treatment without reasonable grounds, assessment of the



final degree of disablement will nevertheless take into account of the possibility of improvement that such treatment might be assumed to have brought, cf. Section 13-12 of the Insurance Contracts Act (FAL).

9.4.4 If nothing to the contrary appears on the

Certificate of Insurance, the compensation belongs to the insured or their survivors cf. Section 15-1 of the Insurance Contracts Act (FAL).

9.4.5 Claims for compensation fall due for payment as

soon as the Company has had reasonable time to clarify the liability situation and to compute its final liability. If it is obvious at an earlier point in time that the Company in any event will have to pay a part of the amount being claimed, than a corresponding advance will be disbursed, cf. Section 18-2 of the Insurance Contracts Act (FAL).

10 PERSONAL LIABILITY INSURANCE

10.1 Maximum compensation: NOK 6 million. For each injury that is encompassed by this coverage, a deductible of NOK 3,000 shall apply.

10.2 What the policy includes The policy provides coverage in the entire world, and encompasses the liability to pay compensation that the insured in the capacity of a private individual assumes for damage caused to another person or the property of others during the policy period. This cover will also apply for students performing practical work abroad in collaboration with a Norwegian college or university.

Personal injury refers to injury, illness or death inflicted upon a person. Property damage is the loss of or physical damage to physical items (including animals and real estate).

The policy encompasses the economic loss that the insured with respect to the applicable law of damages (statute, case law) in the country the damage occurred in can be ordered to pay compensation for, however with the exceptions mentioned in point 10.4.

10.3 The insured must never admit a liability to pay compensation or approve a claim for compensation. Leave it to the Company to take a position on it. In not, the insured is risking having to pay compensation on their own, also for insurance events for which the insured is possibly not at all liable for what occurred. The Company must be informed immediately of the insurance event and will subsequently make the requisite decisions concerning the further processing of the case.

10.4 Exceptions The policy pays no compensation for liabilities:

10.4.1 For deliberate acts or omissions.

10.4.2 That occur in a situation related to work or

business enterprise.

10.4.3 As the owner, driver or user of a motor vehicle, tools, boat, jet ski, aircraft (excl. model planes) or a registered trotting horse or racehorse that is being trained to or is participating in races.

However, liabilities are covered as the owner, driver or user of:

- a canoe, kayak, sailboard/surfboard - hang glider, paraglider - boat under 15 feet with motor of less than 10 hp - wheelchair, self-powered lawnmower, snow

blower and the like, that cannot achieve a speed of more than 10 km/h.

10.4.4 For damage to property occurring by

excavation, blasting, piling, sheet piling and demolishment work as well as by slips, landslides, dam breaks and settling of soil.

10.4.5 To travelling companions, spouses, domestic

partners, parents, grandparents, foster parents, parents-in-law, siblings, children/grandchildren/foster children and the spouses and domestic partners of those mentioned. It is the family relationship at the point in time the claim was inflicted that is taken as a basis.

10.4.6 For claims concerning the insured's share of

items that are jointly owned. It is the ownership relationship at the point the claim arose that is taken as a basis.

10.4.7 For pain and suffering or other liability to pay

compensation of a penalising nature that is meted out in addition to compensation for the victim's economic losses, for example "Punitive Damages" and the like. The policy does not cover fines, fees and the like.

10.4.8 For damage to property that belongs to another,

but which the insured or someone on behalf of the insured is using, leasing, borrowing or has received for transport or storage. Damage is however paid for concerning a leased flat/hotel room or a holiday flat.

10.4.9 That solely is based on a promise, agreement,

contract it guarantee, including liabilities the insured must bear because the insured has waived their right to recourse.



10.4.10 Board-level liabilities.

10.4.11 For transmission of an infectious illness.

10.4.12 That the insured has assumed in consequence of polluting.

10.4.13 That the insured has assumed on a strict

liability basis for damage caused by their child, cf. the Act of 13 June 1969 No. 26 relating to Compensation in Certain Circumstances, section 1-2.


compensation 10.5.1 When a claim for compensation is covered by the

policy, it is up to the Company to ascertain whether a liability to pay compensation exists, negotiate with the party posing the claim and if necessary to litigate the matter through the courts.

10.5.2 The Company will defray its own costs in

determining the question of compensation, also beyond the sum insured.

10.5.3 The Company will pay costs for an external

lawyer and other expert assistance selected or approved by the Company.

10.5.4 If part of the claim for damages is covered by

the policy and part of it excluded, the costs will be shared on the basis of the parties' financial interest in the case. If the Company is willing to settle the case or make the sum insured available, the Company will not pay costs incurred at a later date.

10.5.5 The company is entitled to pay any damages to

the injured party directly. If the claim for damages is made directly against the Company, the Company must notify the insured without undue delay and keep the insured informed about the progress of the claim. The company's concessions to the injured party are not binding on the insured.

11 LEGAL EXPENSES INSURANCE

11.1 Maximum compensation: NOK 80,000. For every loss that is encompassed by this coverage, a deductible will be computed of 20 % of the total costs entitled to coverage, however a minimum of NOK 3,000.

11.2 The policy covers the entire world during the entire policy period, and encompasses:

11.2.1 The insured's cost for legal assistance when a civil

law dispute (disagreement), in which the insured is a party as a private individual, that has arisen during the trip or at the place of study/destination

requires legal assistance before the insured has travelled back to Norway. The cover also applies to students who partake in practical work abroad in collaboration with a Norwegian college or university.

11.2.2 Travelling expenses consequent to the insured

being summoned as a witness or for questioning at a court abroad. The cover also applies to students who partake in practical work abroad in collaboration with a Norwegian college or university.

11.2.3 The posting of security that is necessary for the

release of the insured of the property of the party concerned from impoundment by foreign authorities. The posting of security is regarded as an interest-free loan that must be repaid to the Company after the release or upon demand. The cover also applies to students who partake in practical work abroad in collaboration with a Norwegian college or university.

11.2.4 Transport expenses for en person of the

insured's desire - at a maximum in economy class - out to the insured and back to there home in the event the insured is detained by local authorities for more than 48 hours. The cover also applies to students who partake in practical work abroad in collaboration with a Norwegian college or university.

11.3 Exceptions The policy does not cover costs for legal assistance in disagreements:

11.3.1 Between the insured and the travel bureau, the

tour operator, the travel broker, one or more travelling companions, the location of instruction or the course organiser.

11.3.2 That occur in a situation related to work or

business enterprise or upon the purchase/sale of real estate.

11.3.3 In connection with family, inheritance and

probate or bankruptcy court situations, or in connection with claims by persons or legal entities domiciled or registered in Norway.

11.3.4 In connection with criminal proceedings,

defamation cases or claims for compensation in such cases.

11.3.5 In connection with traffic-related cases where the

insured used a motorised means of transport.

11.3.6 That concern compensation settlements under this or other insurance agreements the insured is covered by with AIG.

11.3.7 It is a precondition that the insured be unable

to obtain free legal assistance for guidance in the case, and that the disagreement cannot be addressed at a publicly recognised



administrative appeal body, including an appellate court.

11.3.8 The legal assistance does not encompass

actual demands for compensation or of a punitive nature, but solely those costs that go towards legal assistance and the posting of security.

11.4 The insured's obligations and rules of action when an insurance event occurs

11.4.1 If the insured wishes to seek compensation under

this policy, then the Company must be notified as soon as possible, and at the latest one year after a lawyer has been hired. The notification must be in writing.

11.4.2 The insured undertakes to limit expenses as

much as possible and to pay any costs himself that are incurred without reasonable grounds.


compensation

11.5.1 The insured may himself select a lawyer who pursuant to the nature of the case and the insured's place of residence is suitable for the task.

11.5.2 The Company may request to be kept informed of the scope of the expenses and has the same right as the insured to have how the lawyer has computed their fees documented.

12 EVACUATION INSURANCE

12.1 Evacuation in the event of war The cover applies at the place of study, during travel to and from the place of study, as well as for holidays/leisure travel from the place of study or from Norway, in the entire world, for up to 60 days.

If an imminent risk arises of an outbreak of terror, war or a warlike condition while the insured is staying in the country, the policy covers evacuation to the nearest safe destination with respect to the recommendation of the Norwegian Ministry of Foreign Affairs, as well as extra expenses for such. The transport must take place at the first opportunity after the Ministry's recommendation.

12.2 Detainment If the insured is detained by the authorities in consequence of a war or a risk of war, the policy will cover for up to 3 months paid and documented reasonable and necessary extra expenses for stays and domestic transport, as well as extra expenses for food of up to NOK 500 per day. It is a condition of the coverage that the insured has not at an earlier point in time omitted to follow the call by the Norwegian Ministry of Foreign Affairs to evacuate.

12.3 Crisis assistance If an acute crisis situation arises in which the insured is directly affected, the policy covers 24-hour assistance from the Alarm Centre. The assistance encompasses help in finding a suitable location for treatment and information for the next of kin in Norway. What is meant by a crisis situation in these terms and conditions is a serious accidental injury, natural disaster, terror attack or assault that where the insured is a victim.

13 HOME CONTENTS INSURANCE

The policy covers a maximum of NOK 100,000 with the limitations stated below. For every claim there is a deductible of NOK 3,000.Mobile telephone or smartphone are only covered if Supplementary cover is valid and losses and damages are according to point 13.4

13.1 What the policy includes The policy covers physical damage to moveable property and household contents that is incurred during the period of insurance. Expenses for maintenance and enhancements are excluded.

13.2 Where the policy is effective The policy covers physical damage/loss of moveable property and household contents that are kept in the residence or in locked storage locations in association with the residence, or in areas that the residential units has at its disposal. For example storage rooms, garages, verandas, terraces and similar storage locations.

The policy covers the insured's permanent residence in the country in which the insured is living and studying. If the insured moves, the policy will cover the new residence.

13.3 Safety regulations Safety regulations mean the rules of due care and attention intended to prevent or limit loss and damage. Infringement of safety regulations may lead to a reduction of the Company's liability or cause it to lapse completely. It is a precondition for coverage that the following safety regulations are observed by the insured:

13.3.1 The insured is obligated to perform necessary

and general maintenance of the residence, as well as to comply with the local fire safety regulations and orders given by governmental authorities.

13.3.2 The insured is obligated to see to it that the

residence is adequately heated in order to avoid frost damage and/or see to it that the main stopcock has been shut off.

13.3.3 The insured is obligated to see to it that doors are

locked, and that keys are stored where they are unavailable to outside parties. Windows and other openings must be closed and defensibly secured with hasps or the like in order to prevent outside parties from entering the building/room. Windows in the airing out position are not reckoned to be defensibly secured.

13.3.4 When the insured relinquishes a residence that is shared with others, then cash, jewellery/clocks, photographic and video



equipment, PCs/computing equipment and other especially valuable personal objects, as mentioned in 2.7, must be stored and inaccessible/locked from outside parties.

13.3.5 The insured is obligated to see to it that

bicycles, bicycle trailers and baby carriages are locked, and that keys are stored where they are unavailable to outside parties.

13.4 What is paid for the following losses or

damage Losses mentioned below that arise suddenly and are unforeseen, will be covered if the insured:

- has complied with the safety regulations. - has provided correct information

concerning the risk or changes to the risk. - has not acted in a grossly negligent manner of

intentionally caused the loss.

13.4.1 Fire The policy covers losses from

a) Fire, i.e. flames that have become uncontrolled b) Sudden blackening c) Explosion

Excepted are singe and spark damages that are not due to fire. 13.4.2 Lightening strikes and electrical phenomena.

The policy covers damage from direct lightening strikes and electrical phenomena. What is meant by electrical phenomena are short-circuits, arcing, flashovers and overvoltage’s - also in consequence of lightening and thunderstorms. Defects in the electrical articles or the connection to the power grid (adapter, electrical plug and the like) are not encompassed.

13.4.3 Natural disasters The policy covers losses caused by natural disasters in the form of landslides, storms, floods, storm surges, earthquakes or volcanic eruptions. For more detailed definitions, see the Act relating to natural disaster insurance, section 1. Other losses caused by nature, as well as indirect consequential damages, are not covered.

13.4.4 Water and other liquids The policy covers losses from

a) Discharges of water or another liquid from interior piping.

b) Water that suddenly permeates into a building from the terrain or the ground when it leads to visible, free-standing water above the lowest flooring. Water in platform floor structures is not reckoned to be freestanding.

c) Discharges of fire extinguishing devices. d) Permeation of water through openings or

leakage arising from sudden and unforeseen damage to the building.

Water damage to moveable property entitled to coverage in a separate storage room with access from a shared basement/attic is also covered up to NOK 10,000.

The policy does not cover: - losses caused by water from the building's

gutters, exterior downspouts or sealed connections between the roof and roof rainwater outlet for an interior downspout.

13.4.5 Theft Theft means the removal of property that the insured has in his/her possession, see sections 257 and 258 of the Norwegian General Civil Penal Code. The policy covers theft:

- from the building of the place of insurance - compensation for theft from storage rooms with

access from a shared basement/attic will be paid for up to NOK 20,000

- Compensation for theft from a parked vehicle in a garage will be paid for up to NOK 5,000

- Compensation for theft of a bicycle, bicycle trailer or baby carriage will be paid for up to NOK 5,000 each

- from an inhabited residence outside the place of insurance. From a building other than an inhabited residence outside the place of insurance, the coverage is for up to NOK 20,000.

13.4.6 Vandalism The policy also covers vandalism in connection with theft in a building of:

- household contents and moveable property - rooms that the insured is leasing/utilising for up to

NOK 20,000.00.

13.4.7 The policy encompasses losses from inadvertent temperature increases in freezers that causes damage to foods as well as odour-related damage to the freezer.

13.4.8 The policy covers losses from the collapse

of a building or part of a building.

13.4.9 General exceptions The policy does not cover:

- Losses entitled to coverage in/from shared garages, common rooms/basements/attics or rooms at building/construction sites that are not residential rooms, even if the property is being stored in a locked cabinet and the like. However theft of bicycles, bicycle trailers and baby carriages are covered.

- damage caused by spills or condensation - damage caused by fungi, rot, bacteria or insects - damage caused by a household member,

lodger or their household - Damage, loss or theft of a mobile/smart

telephone. (Does not apply if Supplementary cover is valid)

13.5 What the contents insurance covers

13.5.1 Within the insurance sum specified in the

Certificate of Insurance, coverage is included of household contents and moveable property, including

- Music systems, DVD/CD, GPS, camera/video/computing equipment for up to NOK 20,000 per group of objects that naturally



belong together. For DVD/CD there is a limit of NOK 2,500

- Self-produced goods in an unregistered hobby or handicraft enterprise are covered for up to NOK 50,000

- Moveable property that is owned by others and that the insured has by law or written agreement taken over the risk for.

13.5.2 Within the insurance sum, there is in addition coverage encompassing:

- Golf, skiing and diving equipment - outboard motors - hang gliders and paragliders - canoe/kayak/sailboard - recreational boats of up to 15 feet incl. motors

of up to 10 hp

Each of the above for up to NOK 10,000.

The policy does not cover motor vehicles or accessories, tires and rims for motor vehicles.

13.5.3 The insurance sum includes coverage for

cash and securities of up to NOK 10,000.

13.5.4 Compensation is paid within the insurance sum for other individual objects for up to NOK 25,000 each.

13.5.5 After damages entitled to compensation arise,

coverage is also paid for:

13.5.5.1 Requisite moving and storage equipment for damage to a building and household contents will be covered for up to NOK 30,000. The expenses must be approved in advance by the Company.

13.5.5.2 Requisite additional expenses for stays outside

the home when such is uninhabitable in consequence of damage to the building and household contents for up to NOK 50,000. The additional expenses must be approved in advance by the Company.

13.5.5.3 The insured's loss of rental income when

building-related interior work, which the party concerned has itself defrayed the costs of, no longer is able to be used because the interior work is not being remedied as a part of the remediation of the damage to the building, for up to NOK 50,000.

13.5.5.4 Expenses for demolishing, clearing and

removal of valueless remnants.

13.6 Who the policy covers 13.6.1 The policy covers only policyholders who appear

on the Certificate of Insurance.

13.6.2 The covers an owner of property other than those mentioned above, but only if those who are named in 7.5.1 have in writing assumed an insurance obligation or in writing have assumed

the bearing of the risk for the property.

13.7 Where the policy is effective The policy covers the residence the insured owns/leases with exclusive rights of use, at the place of study. In addition, a separate basement/attic storage room is covered where it is specially mentioned in point 7 and subsequent points. 13.8 Claim settlement rules Section 6-1 of the Insurance Contracts Act (FAL) is being deviated from. Instead, the provisions below will apply.

13.8.1 Settlement manners The basis for compensation will be set to what it would cost to repair/remedy the damage, or to procure the equivalent, or essentially equivalent, item. The Company has the right to determine precisely which of the alternatives, and precisely which repair technician or supplier shall be used

The Company may also choose to compensate by a cash settlement. The compensation may in such case not exceed the amount the Company could have paid for the repairs or re-acquisition.

13.8.2 Calculation of compensation 13.8.2.1 For re-acquisition or repairs the compensation will

be calculated on the basis of the expenses - for reparation to the same, or essentially the

same condition as immediately before the damage arose, calculated in accordance with the prices on the date of the damage, or

- for re-acquisition of the equivalent, or in essence the equivalent item, calculated in accordance with the prices on the date of the damage - the re- acquisition price. The basis for compensation may not be set higher than the value before the damage less the residual value after the damage, as computed by the rules above.

a) Object procured as new Upon re-acquisition, a deduction will be made for a value increase in that a used item is being replaced by a new item. . For a camera/video camera, PC and computing equipment a deduction of 25 % will be made per commenced year. For other objects, an estimated deduction will be made for the deterioration in value due to age, use, probable useful life and reduced usability. The deduction will at most be 80%.

b) Object acquired used

An object acquired as used by inheritance, gift or purchase, will be replaced at its re- acquisition price for the equivalent, or the essentially equivalent, used object.

13.8.2.2 In the calculation of additional expenses for

stays outside the permanent residence, regard must be paid to the costs that the



insured would have had without the loss and that they have after the loss. A deduction will be made for every form of compensation for loss of rental income, also from other insurance companies, as well as for saved expenses.

13.8.3 Deductible In the settlement computation a deduction will be made for a deductible of NOK 3,000. Reductions will be made in the compensation calculation based upon the terms and conditions or the law prior to the deduction of the deductible.

13.8.4 The ownership rights to damaged property or

property that is found The insured is obligated to keep a damaged object against which compensation is being disbursed for damages to the object, however the Company has the right to take over damaged property. If the object is later found after compensation has been disbursed, then the insured has the right to keep it and pay the compensation back. In the opposite case, the object will belong to the Company.

13.8.5 Acts and omissions by other persons

(identification rules) If the insured's right to compensation is lost in full or in part in consequence of the insured's acts or omissions, such will also have the same effect as for corresponding acts or omissions made by the insured's spouse or domestic partner (cf. section 4-11 the Insurance Contracts Act (FAL).

14 GENERAL TERMS AND CONDITIONS (ANSA)

In addition to these terms and conditions, the following shall apply:

- Norwegian Insurance Contracts Act of 16 June No. 69 (FAL).

- Certificate of Insurance

The General Terms and Conditions apply in so far as they are not departed from in the individual industry terms and conditions or the Certificate of Insurance.

The following list of provisions and exceptions shall apply for this entire policy (point 1-13).

14.1 It is a condition for subscribing to the insurance that the insured is a member of ANSA.

It is furthermore a condition that the insured, upon departing from Norway, or upon later renewal of the insurance, is a member of the Norwegian National Insurance. If a premium has been paid under the precondition of a right to coverage of healthcare expenses outside the EEA, pursuant to the rules concerning expanded benefits, and such precondition is not satisfied, then the Company has the right to seek to have the expenses repaid that the Company has possible advanced to the insured, however with the exception of the period from when the studies are concluded to the trip home,

where the insurance will cover up to 5 weeks - provided that the student is a member of the National Insurance. The Company has the right to demand that a correct premium be paid in, if it is determined during the period of insurance that the preconditions above are not present.

14.2 It is a precondition for coverage that the insurance be subscribed to for the correct geographical coverage area for the insured's destination. 14.3 For travel internally in the Nordic countries, compensation will not be paid for expenses covered by the Nordic National Insurance Convention or the Norwegian National Insurance Scheme. In other instances, i.e. when the Company has paid compensation for obligations with respect to the Norwegian National Insurance's or the EEA Agreement's rules concerning the right to benefits for medical treatment, the Company may on behalf of the insured submit any claim for such and retain the amounts that would otherwise have accrued to the insured.

14.4 Renewal and cancellation 14.4.1 The insurance will cease upon expiry of the period

of insurance, and will not be renewed automatically. If renewal also occurs, the policy terms and conditions and the premium may be changed and will become applicable from the date of renewal.

14.4.2 Upon renewal of the insurance, illnesses that are

known or for which treatment or tests are being conducted at the end of the previous policy period

will not be covered.

14.4.3 If the insurance is terminated before it expires, the difference between the premium that should have been paid for the abbreviated period of coverage and the premium that has actually been paid will be paid back. (for example if coverage has been purchased for 6 months and the insured returns after 3 months, the difference between the premiums for 6 and 4 months will be repaid).

14.4.4 The Company's right to cancel AIG may terminate the insurance agreement with two months written notice if during the course of the past 12 months at least 3 claims have been filed with AIG under this agreement, or when the sequence of events shows great deviation from what is normal.

14.5 The insurance applies for the period that appears on the Certificate of Insurance, and is valid beyond the agreed period in the following instances:

- For up to 2 days in consequence of unforeseen and compelling reasons outside the control of the insured.

- For up to 60 days when the extension of a trip is due to illness/ accidental injury and the



insured due to medical reasons and pursuant to the doctors orders cannot travel home as planned.

The insurance applies from the point in time the agreement has been adopted by the parties of beginning at a later agreed date at 00:00 am. The insurance will be in effect until 12:00 midnight on the last date of the period of the agreement. The equivalent will apply for later renewals. It is a precondition that the premium be paid within the time that appears on the payment notification.

14.6 If the policyholder subscribes to the insurance after departing, the following special rules apply:

a) Subscription may only take place during up to 2 months after departure from Norway.

b) The insurance will only first enter into effect when payment has been received by the Company- and never before 00:00 am 14 days after ordering (ordered on Wednesday - the earliest entry into force is 00:00 am on Wednesday the week after).

14.7 Parties wishing to file claims with the Company must give the Company the information that is available to him or her, and which the Company needs in order to be able to assess the claim and disburse compensation.

The information must be given on the claims form that is available at the Company's homepage www.AIG.no.

Parties who give incorrect or incomplete information for the claims settlement may lose any claim for compensation against AIG, under both this and other insurance agreements, cf. sections 8-1 and 18-1 of the Insurance Contracts Act (FAL).

14.8 For every personal injury/illness:

14.8.1 The insured must as soon as possible visit a

doctor, submit to periodic treatment and follow the doctor's instructions when the insurance event has arisen.

14.8.2 AIG's doctor has the right to seek out information

concerning the insured's state of health and treatment from doctors or hospitals that have treated the insured, and if necessary discuss conditions that the Company has been informed of with such. The Company guarantees full discretion with respect to such information.

14.8.3 The Company has the right to demand that the

insured submit to an examination by AIG's doctor or a doctor who has been designated by the Company. If the Company finds it necessary to procure a doctor's declaration from a new expert, then such must be justified in writing. In the event of death, the Company has the right to demand an autopsy. The company will in such case pay all costs in connection with the above-mentioned.

14.9 The insured/covered is obligated to procure and submit original documentation for expenses or losses for which compensation is being sought, including original purchase receipts, guarantee certificates, police receipts, reports from the transport company, guides, hotel personnel, etc. For private outlays or expenses for hospitals, doctors and medicine that the insured desires to have refunded by the Company, the original voucher and notification of claim must have been received by the Company at the latest 5 months after the insurance event.

14.10 Expenses for transport that are not arranges by the Company will be covered at a maximum with the costs that the Company would have had in arranging for equivalent transport, however the maximum that will be disbursed is an amount corresponding to the ticket price for a scheduled flight - at most in economy class.

14.11 Losses in connection with claims in the form of expenses may never have compensation claimed for more than the insured's actual economic costs. Thus expenses refunded by others will not be covered.

If more than one insurance policy has been taken out and covers the damage, AIG must be informed, and the Company's total liability may not exceed the actual expenses. In the event of payments with respect to this policy, AIG will enter into all the insured's rights in such respects. AIG is entitled to seek recourse from third parties to the extent that AIG has disbursed compensation. The costs in connection with any possible recourse lawsuit will be covered by AIG.

14.12 The policy does not cover:

a) Claims caused by the insured/covered intentionally, under self-inflicted intoxication, or under the influence of narcotics, medicine or other intoxicating substance, unless it can be shown that the claim has no connection with such, cf. sections 4-9 and 13-8 of the Insurance Contracts Act (FAL). This applies to all coverage under this insurance. If for property damage fraud has not been shown, the Company may have partial responsibility imposed regardless, Cf. section 4-9 of the Insurance Contracts Act (FAL).

b) The insurance does not cover participation in scientific expeditions, unless such is specially agreed upon and specified in the Certificate of Insurance.

c) Indirect losses. d) Claims that arise as a direct or indirect

consequence of: strikes, lockouts, seizures, bankruptcy, attachment or other intervention undertaken by a governmental authority.

e) Any expense after the arrival back home in Norway (see however point 3.0.c).

http://www.gouda.no/



f) Compensation claims that are covered by other insurance. This exception does not apply for point 3.0.a) and b) of the accident coverage.

g) Pilots and co-pilots when flying. h) Active participation in terror, war, rebellion

or the like. i) Claims arising directly or indirectly in

consequence of a release of nuclear energy or radioactive forces or radiation from radioactive fuels or waste.

j) Force majeure of any type.

14.13 If the insured/covered caused the insurance event or increased the scope of the loss through gross negligence, the Company’s liability may be reduced or cease. The settlement must take account of the degree of culpability, the sequence of events, whether the insured was in a state of self-inflicted intoxication, the effect the reduction or cessation of the Company's liability would have on the person(s) entitled to a claim under the insurance policy or other persons financially dependent on him or her, and other circumstances, cf. sections 4-9 and 13-9 of the Insurance Contracts Act (FAL). The Company may not invoke the rules that are mentioned in 14.12 a) and 14.13 if the insured/covered due to age or mental condition is unable to understand the consequences of their actions, cf. sections 4-9, 13- 8 and 13-9 of the Insurance Contracts Act (FAL).

14.14 Coverage in the event of war The policy does not cover losses that have arisen directly or indirectly as a consequence of war or warlike actions. The insurance covers however up to 30 days from the start of the events mentioned in this point, when the insured is studying or was on a holiday trip in an area that prior to entering it was characterised as peaceful.

The limitations and exceptions in the terms and conditions apply in general for the evaluation of compensation and the computation of compensation.

The Company is in no event liable for losses from the outbreak of war or serious unrest/rebellion in areas where there was war/unrest when the insured travelled into the area/country - if such has not been agreed to and specified on the Certificate of Insurance.

14.15 Safety regulations are established in order to prevent or limit damage/losses. The safety regulations must be complied with.

If a safety regulation has been violated, the Company's liability may be reduced or be eliminated completely. Such a precondition may not be invoked if there is nothing or only a little to blame the insured/covered for, or if the insurance event is not due to the violation.

Even if the Company can claim that a safety regulation was not complied with, it can still be held partially liable. The settlement must take account of the nature of the safety regulation that was not complied with, the degree of culpability, the sequence of events, whether the insured/covered was in a state of self-inflicted intoxication

and other circumstances, cf. sections 4-8 and 13-9 of the Insurance Contracts Act (FAL).

14.16 Complaints that involve the insurance agreement may be directed to the Financial Complaints Committee. P.O. Box 53 Skøyen, N-0212 Oslo, tel. (+47) 23 13 19 60.

14.17 Notification deadlines and statutory

limitations Losses/damages must be reported to the Company immediately, cf. sections 4-10 or 13-11 of the Insurance Contracts Act (FAL). The insured will lose the right to compensation if the claim is not filed with the company within one year after the insured has become aware of the conditions that justify it, cf. sections 8-5 or 18-5 of the Insurance Contracts Act (FAL). The insured's claim will also become too old pursuant to the provisions in sections 8-6 or 18-6 of the Insurance Contracts Act (FAL).

The Company is released from liability if the insured has not filed a lawsuit or demanded consideration by an appeals board within six months after the insured received written notification that the Company no longer deems itself to be liable and it at the same time has reminded him or her of the deadline, its length and the consequence of it being exceeded, cf. sections 8-5, 18-5 and 20-1 of the Insurance Contracts Act (FAL).

14.18 Choice of law and legal venue 14.18.1 Norwegian law applies to the insurance

agreement to the extent that such is not in violation of Act. No. 111 of 27 November 1992 relating to the choice of law in insurance, or it has been otherwise agreed.

14.18.2 Disputes arising from the insurance contract

shall be settled by the Norwegian courts unless this is incompatible with mandatory rules in current legislation or it has been otherwise agreed.

15 INFORMATION CONCERNING FILING CLAIMS

Norwegian Insurance Central Claims Register – FOSS All claims that are reported to a non-life insurance company are registered in the Norwegian Insurance Central Claims Register (FOSS). When an insurance company reports a claim to the register, the company automatically receives an overview of all claims that have been previously filed by the same customer – including also claims with other insurance companies. The policyholder has the right to inspect the register pursuant to section 18 of the Norwegian Personal Data Act.

Filing deadline for claims The Company is released from liability if the insured has not filed the claim with the Company within one year after the insured became aware of the conditions that justified it. Cf. sections 8-5 and 18-5 of the Insurance Contracts Act (FAL).



Interest on compensation The insured is entitled to interest in accordance with the provisions of section 8-4 or 18-4 of the Norwegian Insurance Contract Acts of 16 June, No. 69 (FAL). Prohibition of gain The policy must not lead to gain, but only compensate for a loss that has actually been sustained within the framework of the insurance contract. The sum insured does not constitute proof of the value of the object or interest. Consequences of fraud A party that is guilty of fraud against the Company, loses any right to compensation from the Company pursuant to this and other insurance agreements occasioned by the same event, and the Company may terminate any insurance agreement with the insured, cf. sections 4-2, 4-3 and 8-1 or sections 13-2, 13-3 and 18- 1 of the Insurance Contracts Act (FAL). Guidelines for personal protection The insured is expressly made aware that the insurer performs electronic data processing of the insured's information as well as of the information for other persons, if such persons are mentioned in the terms and conditions. The information is procured by the insurer or the insurer's representative concerning the insurance coverage and the processing of claims associated with it. By subscribing to the insurance, the insured is declaring that they understand and accept this.

With respect to the Norwegian Act relating to the processing of personal data of 14 April 2000 No. 31 (the Personal Data Act) the insured is made expressly aware that specification of personal data is necessary in order to subscribe to the insurance and for the processing of claims with respect to the insurance product. Such personal data may be forwarded or processed for the Company in countries outside Norway and the EU.

Such information is solely intended for the insurance provider and their representatives and will only be used in connection with the insurance product; including the insurance coverage and the claims processing, as well as in connection with any possible supervisory tasks of the authorities.

The person this concerns has the right to inspect and to request a copy of the personal data that is being stored about them, as well as to demand that any possible errors be corrected. Please contact AIG, Rosenkrantz’ gate 22, PB 1588 Vika, N-0118 Oslo for assistance.

Reference is also made to the Company's guidelines for personal protection, which may be fetched from www.aig.no/sikkerhet-og-personvern or sent in response to a written request.

Currency Premiums, sums insured, compensation, etc., arising from the insurance contract will be calculated in Norwegian kroner (NOK) unless specified otherwise in the Terms and Conditions or Certificate of Insurance.

Assistance In the event of a need for assistance in connection with a serious illness, or a serious accident, contact our alarm centre – SOS International will be contacted via AIG Telephone: (+45) 38 48 92 50 (24 hours a day) From the USA (+1) 866 208 0045

16 ASSISTANCE WITH COMPLAINTS

Internal complaints body If you are of the opinion that the Company has not correctly performed the processing of your claim, you may request that renewed processing be performed. The reason for the complaint must be given when doing so. The matter will then be processed with respect to the Company's internal complaint procedures and you will receive a decision with justification. When submitting the complaint for internal processing, such may either be done directly back to the settlement department, or to [email protected] with the case number and a description of what the complaint concerns.

External complaints body If you believe that the Company has made an error in its processing of your case, without this having been clarified through the customary claims processing or the internal complaints body, you may at no charge contact:

The Financial Complaints Committee (FinKN) Postboks 53, Skøyen N-0212 Oslo

In the complaint, you must stat the name of the Company and your case number that the claim has been processed under at the Company. A short justification/reason should also be given of what the complaint concerns. It is in general up to the individual as to how much should be described concerning what the complaint is about.

This Committee has been set up to satisfy the need for help that a policyholder/claimant might have in connection with an insurance settlement. The office's activities comprise all lines of insurance, including insurance that applies to business activities. It does not cost anything to seek advice from this office. The Committee will then contact the Company after receiving a complaint, and ask to have a copy of the case sent to it - together with the insurance terms and conditions and any possible explanation from the Company concerning the case.

http://www.aig.no/sikkerhet-og-personvern

mailto:[email protected]